Customer relationship management (CRM) is one of the most important
phrases in the banking, financial services, and insurance (BFSI) industry - or at least it should be.

In today's financial world CRM should be linked with the following mission:
"Gain a competitive advantage by identifying, attracting, and retaining
profitable clients."

Financial institutions today are facing the same challenge today as 15
years ago. Management is still trying to figure out "how do we obtain a
complete picture (a 360-degree view) of our customers that is consistent
throughout all contact points of the company?"

Why is this challenge always a top priority for the BFSI industry? The answer is that it leads to a
better bottom line.

With over 20 years' experience in international product
sales, entrepreneurship & business development, Pani Harito serves as the
CRM Sales lead for Mint Management Technologies South Africa.

Pani holds a degree in Marketing Management through the
Institute of Marketing Management and through the years has held various
positions as Head of Sales, Marketing & Product Development, Senior Manager
of Business Development, and Director of Sales for well-known organisations in
South Africa.

He also travelled the world while working in a Senior Sales
Management role for various Tour operators in Austria, Maldives, Mauritius and
Italy.

Pani believes in good company, excellent customer service, a
fine whiskey, a regular game of golf and, most importantly, a well-rounded
family life with his wife and kids.